Call reports 2011
BANK OF BOTETOURT — 2011
What BANK OF BOTETOURT reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 309,096,000 | 315,412,000 | 316,028,000 | 307,278,000 |
| Total loans | 263,377,000 | 258,375,000 | 255,140,000 | 249,849,000 |
| Allowance for loan losses | 5,804,000 | 6,793,000 | 6,001,000 | 5,995,000 |
| Securities available for sale | 14,031,000 | 13,714,000 | 14,357,000 | 15,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,026,000 | 288,464,000 | 289,665,000 | 281,532,000 |
| Interest-bearing deposits | 246,748,000 | 251,540,000 | 250,517,000 | 244,465,000 |
| Noninterest-bearing deposits | 34,278,000 | 36,924,000 | 39,148,000 | 37,067,000 |
| Equity capital | 25,515,000 | 24,479,000 | 23,648,000 | 23,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,786,000 | 7,671,000 | 11,497,000 | 15,198,000 |
| Interest expense | 1,066,000 | 2,116,000 | 3,166,000 | 4,123,000 |
| Net interest income | 2,720,000 | 5,555,000 | 8,331,000 | 11,075,000 |
| Noninterest income | 390,000 | 715,000 | 681,000 | 779,000 |
| Noninterest expense | 2,111,000 | 4,345,000 | 6,483,000 | 8,848,000 |
| Provision for loan losses | 1,515,000 | 4,125,000 | 6,175,000 | 7,485,000 |
| Pretax income | -516,000 | -2,197,000 | -3,643,000 | -4,476,000 |
| Income tax | -208,000 | -793,000 | -1,298,000 | -1,618,000 |
| Net income | -308,000 | -1,404,000 | -2,345,000 | -2,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,201,000 | 25,080,000 | 24,152,000 | 22,433,000 |
| Total capital | 29,360,000 | 28,210,000 | 27,487,000 | 25,741,000 |
| Risk-weighted assets | 250,099,000 | 246,751,000 | 245,128,000 | 237,658,000 |